microfintechs spin offs from traditional Fintechs serving communities and states at most.Outlandish innovation incorporated into the value chain tends to abhor this missing link.It could only do a disservice over the longterm to alienate the underserved and the unbanked poor in general.As vertically intergrated value chains declines in the financial sector and technology enabled disruption practices exponentially explores financial clarity,identify promising innovation policy makers as well investors and regulators must undergo intellectual reform.And in terms of opening up financial landscape to the poor specifically its chronic gross underperformance in this aspect,leaves muchto be desired.However,CGAP understudying the evolutionary paces,points out the missingspace for the unbankedpoor in the fiercely competitive highly sophisticated consumer mass market.Same missing space muchmaligned by traditionalbanks to ignore theinformal sectorat largehad been imbibed by fintechs in the emasculating and insensitive